Lareau Blog - Page 4 of 7 - Insurance brokers

Interesting facts about lending/borrowing a car

Derek Campeau-Schmidt Auteur Lareau - Derek Campeau-Schmidt

Nearly everyone has a driver’s licence, for which we pay the SAAQ each year. For those who have a car, they also pay the SAAQ for the plates, and they pay for car insurance. What is the SAAQ’s role? Does my car insurance meet my needs? These are the questions that I will be addressing today. The SAAQ Its role may not be well known, but the SAAQ takes good care of Quebecers. Founded by Lise Payette in 1978, Quebec’s public automobile insurance plan (Régime d’assurance automobile du Québec) is unique. It compensates victims of motor vehicle accidents and determines insurance contributions. The SAAQ also promotes road safety through awareness-raising initiatives aimed at improving road safety, and is responsible for monitoring and controlling road transport by implementing the Highway Safety Code. The SAAQ will compensate you should you suffer bodily Lire la suite…

ARTBLR: NEW ON THE ARTS SCENE

Vanessa Fortin Auteur Lareau - Vanessa Fortin

In Quebec, it is extremely rare to find artists who are able to make a living from their passion. Society invests little in culture, and grants are difficult for artists to obtain. Throw in art enthusiasts (not all of them) who negotiate the price of a work that speaks to them directly with the artist, seeking the lowest possible price. Of course, spending lots of money on something that’s not practical doesn’t fit into everyone’s budget. And it’s definitely not in our Quebec culture to do so. Art is a long-term investment. Consider London and New York City. These cultural capitals are in settings that have a longer art history than the province of Quebec, and they have created a place for art and its potential as an economic driving force. Investing in art is investing in our culture, history, Lire la suite…

Happy vacation, Facebook!

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

Like a virus trying to find a way around antivirus software (or vice versa), a criminal will always try to find new ways to achieve his or her goals. Social networks are really useful to thieves nowadays…. You are relentlessly feeding their infinite hit possibilities. How so? July 17, 2015 post: Huuurrraaaaayyyyy! We’re done packing the car, finally! All ready to go! Headed to (let’s suppose) Cape Cod! (You understand that you can change Cape Cod for any other location more than 30 minutes away from your place.) July 18, 2015 post: Thumbs up, with a seal on the beach in the background. July 19, 2015 post: Beautiful sunset with (name of partner/spouse)! You’ll get tons of Likes on your posts. But, you are also revealing just enough information for a potential thief: your powerlessness to catch him or her Lire la suite…

MOVING SEASON—HOW DOES AN INSURER DETERMINE PRICING FOR MY NEW HOME?

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

Historically, moves always happen on July 1st in Québec. Although this has been part of our reality for many years (since 1974), it has not always been the case. The July 1st date was set by the government to avoid problems related to school changes. Prior to this date, May 1st used to be moving day but imagine the nightmare of kids having to get used to a new school right before year-end exams. So you’re moving and you’re wondering if your premium will increase or reduce in your new area? An insurer’s rating will vary depending on a great number of factors specific to each person. For instance, your age, your experience, your job, your insurable belongings, the state of your home, your credit score and other factors will be taken into account to calculate your premium depending on the insurer. However, Lire la suite…

AS A TENANT, IS IT IMPORTANT TO GET INSURANCE?

Gabrielle Côté Auteur Lareau - Gabrielle Côté

The situation You think you don’t have that many valuable belongings. You’ve moved into your first place and you never thought it would be important to insure the equivalent of that suitcase of clothes you own. Don’t be fooled! A home insurance contract First of all, it is important to understand that the home insurance contract consists of two parts: property insurance and personal liability insurance. Insuring your belongings This section of the contract covers the goods you own, such as clothes, electronics, sports equipment, furniture, appliances, in short, everything—even the frames hanging on your walls as well as the tacks used to hold them up! If you are the victim of theft or if a fire destroys your home, would you be able to replace everything you own the very next day? Protection against personal liability Many are unaware Lire la suite…

IS YOUR HOME VACANT? CONTACT YOUR BROKER RIGHT AWAY!

Cynthia Pommainville Auteur Lareau - Cynthia Pommainville

Your home has been on the market for months and you’re being pushed to sell it because you’ve already made an offer on a new one, which is conditional on you selling your old home. In other words, you find a buyer but he can’t buy it right away. Your chance of buying the new home could slip away if you decided to wait longer. Thus, you decide to go for it; you buy the new home and move into it. Is your situation similar to one of the following? Your father, who was living alone, passed away a few weeks ago and neither you nor your brother lived in his home because you each already had your own dwelling. During the estate process, which will take several months, you decide to put the house up for sale because no Lire la suite…

POLLUTION INSURANCE—WHY IT’S SO IMPORTANT FOR CONTRACTORS

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

Environmental consciousness was not always an important issue as it is today. Similarly, purchasing pollution liability insurance has yet to become a priority for companies. However, this will change. Do you know why repair garages are always located near rivers in the countryside? Because old engine oil was disposed of in the water. Seems incredible, right? Yet, it’s true. It sounds surreal because we are more attuned to the environment and have a deeper overall understanding of issues surrounding it. With this awareness comes the need for this particular type of insurance, which is still widely forgotten: pollution insurance. Brian Cane, V-P of ENCON Group, has already written an article on the importance for contractors to purchase pollution insurance. I have summarized for you the main points and his top five reasons for having this specific type of insurance. 1- Lire la suite…

EXCAVATION WORK, A COMPLEX OPERATION

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

We hear the ol’ folks say… “In my days, we dug using a pick and shovel and the problems were endless. We’d roll up our sleeves and work hard.” Today, everything has changed. Even oranges have disappeared from Christmas stockings. Even so, we keep digging. We keep digging and although we regularly trade in picks and shovels for mini-excavators, the operation has not streamlined much. Nowadays, we’ve traded in an operation much less manual for one that is a little more complex. With time, our ground has become more elaborate and is composed today of layer upon layer of underground infrastructure. Gas lines, water lines, telephone wires, fibre optics, cables, old oil pipes… And just because you’ve seen a man on his little digger, you think you’re up for the task of digging your future uni-stone walkway? Or you think Lire la suite…

HITTING THE ROAD FOR YOUR VACATION ON YOUR MOTORCYLE WITH YOUR MIND AT REST

Dominique Sanfaçon Auteur Lareau - Dominique Sanfaçon

Finally! Winter definitely seems to have gone into hibernation. Although different municipalities have not yet finished cleaning up all the gravel left on our roads, there are more and more motorcyclists out there. Perhaps you are one of these people? Picture this: a long weekend is coming up, the weather will be ideal and you’re in a hurry to shine your ride before hitting the open road. However, beyond the appearances and the excitement of taking your motorcycle out for its first ride, here are some tips to keep in mind: Proper mechanical inspection Most motorcyclists possess basic knowledge of mechanics and this is an asset that is quite valued during training to obtain a licence. That being said, whether you proceed with it yourself or through a trusted mechanic, a proper general inspection of your motorcycle is mandatory and Lire la suite…

ARE MY SWIMMING POOL AND SPA COVERED?

Gabrielle Côté Auteur Lareau - Gabrielle Côté

With the arrival of warmer weather, several will purchase and install an outdoor swimming pool or spa to maximize on the pleasures of the hot summer days. Thus, with this addition to your dwelling, it is important to notify your broker of this so that he can proceed with making the necessary adjustments to your home insurance and protect you from situations that may occur. Your in-ground pool For starters, the coverage for an outdoor in-ground pool is not the same with all insurers. Some consider the outdoor in-ground pool as an integral part of the building, therefore covering it under the same terms as the building. Others, however, exclude it, meaning that the pool must specifically be covered by way of an endorsement. Your aboveground pool At all times, your aboveground pool must explicitly be mentioned in your insurance Lire la suite…

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